Corey L. Barbour

Strategic Leadership & Business Growth Business and Commercial Lending Business Consulting & Financial Advisory Client Relationship Management Core Competencies

As President of Barbour Companies, I have built a high-performing organization dedicated to empowering individuals and businesses to achieve their financial goals through business and commercial financing, strategic financial consulting, SBA lending, and technical assistance. My expertise lies in helping small businesses secure capital nationwide while ensuring regulatory compliance and risk mitigation.

• Expanded my book of business by 28% annually, driving sustained revenue growth and market penetration.
• Developed and executed business strategies that led to a 20% annual increase in loan production, supporting businesses in diverse industries.
• Spearheaded business, commercial and SBA lending efforts nationwide, structuring deals from $100K to $12 million to fuel business growth.
• Streamlined lending processes to improve efficiency, resulting in a 30% increase in successful loan approvals.
• Built and nurtured a strong referral network, partnering with commercial bankers, CPAs, attorneys, and business advisors to generate a steady pipeline of SBA loan applicants.
• Served as a trusted advisor, guiding clients through the complexities of commercial lending with tailored financial strategies.
• Equipped businesses with the tools and knowledge to secure and leverage capital effectively for long-term sustainability and profitability.
• Ensured clients had access to the latest lending market insights, positioning them for success in a competitive financial landscape.

Core Competencies:

• Loan Origination & Structuring (alternative, conventional, SBA 7(a), and 504)
• Business Development & Referral Network Growth
• Financial Analysis & Credit Underwriting
  Client Relationship Management & Portfolio Expansion
• Strategic Loan Structuring & Risk Mitigation
• Regulatory Compliance & Government-Guaranteed Lending
• Financial Consulting & Capital Access Strategies
• Market Expansion & Revenue Growth Strategies
• Operational Efficiency & Loan Processing Optimization

• Drives loan production by actively engaging in business development efforts, building relationships with small business owners, commercial bankers, CPAs, attorneys, and other referral sources to generate a consistent pipeline of business, commercial and SBA 7(a) and 504 loan opportunities.
• Actively engages in business development and civic initiatives with contacts throughout the community, including customers and prospective customers to achieve defined goals.
• Calls on customers and prospects to determine the scope of the potential relationship opportunities and alignment with Bank’s core values and strategic vision.
• Initiates and execute sound and profitable complex credit requests.
• Obtains necessary documents to fully underwrite and document credit requests.
• Analyzes the applicant’s financial information, assesses risk, and approves or recommends approval of customer application for loans.
• Seeks guidance and input from the Credit Administration Department on complex credit requests or those that exceed loan authority.
• Collaborates with Credit Administration and SBA underwriters on complex credit requests, providing financial analysis and risk assessments to support loan decisions and maintain portfolio quality.
• Establishes the structure of the loan, including pricing, terms, and duration in accordance with the customer relationship and our Bank’s policies, as well as compliance and regulatory guidelines.
• Ensures loan documentation files are complete, including comprehensive documentation of the decision-making process.
• Responsible for ongoing portfolio management of relationships including identification and documentation of problem loans, policy exceptions, grade changes, annual reviews, maintain current financial information, watchlist reviews, and/or special reviews that may be required.
• Maintains credit quality to minimizes exceptions, and to prevent past dues and charge offs.
• Refer the customer to the offices for the sale of additional financial products and services.

• Provides a full range of business banking services to customers and prospects with an emphasis on business lending and deepening relationship.
• Proactive outbound approach to educating and acquiring new business customers and deepening existing relationships within the Community Bank Small Business segment.
• Outbound activities, such as outbound calling and visiting local businesses and participating in community organizations through committees or board assignments to expand their network of centers of influence.
• Demonstrate a genuine interest in business customers and ask questions to understand financial priorities and meet their needs.
• Review and analyzes the applicant’s financial information, assesses risk, and approves or recommends approval of customer application for loans.
• Develop strong relationships with other internal teams, partners and lines of business to deliver the full complement of Wells Fargo products and service that can help customers meet their financial needs.
• Responsible for identifying and referring customers with higher portfolios, personal and mortgage needs to refer to partners.

• Developed and managed a portfolio of business lending client and SBA lending clients, focusing on new business acquisition, loan structuring, and relationship expansion across Goldsboro, Kinston, New Bern, and Morehead City, NC.
• Handled relationship management activities with new and/or existing clients in a book of business to grow sales, revenue and market share with relevant sales goals in Goldsboro, Kinston, New Bern to Morehead City, NC.
• Originated and structured loans for businesses with revenues ranging from $1M to $15M, ensuring financing solutions aligned with growth and expansion goals.
• Provided loan, treasury management, and deposit products to business banking companies with annual sales revenues of $1-$15 million.
• Worked with clients with advanced levels of risk and complexity of needs.
• Acquired and/or expanded and retained client relationships to generate revenue and deepen share of wallet.
• Handled the origination, financial analysis, negotiation and documentation of credit and non-credit products and services.
• Managed risk/return and drives quality for new and/or existing clients.
• Identified and mitigated different types of risk, such as regulatory, reputational, operational and credit risks.
• Focused on client opportunities by providing ideas and insights based on an understanding of the client's needs and their financial well-being.
• Focused on increasing business client engagement and loyalty.
• Built an effective network of internal and external relationships, such as community and industry relationships, to actively acquire new clients and/or expand existing clients and enhance the client experience.
• Focused on bringing entire bank to the client by presenting the full range of PNC's products and services.
• Leveraged reporting and sales tools to proactively identify and successfully convert sales opportunities.
• Demonstrated expertise in commercial credit analysis and SBA loan structuring, ensuring that loans were properly packaged to maximize approval rates and minimize processing delays.

• Provided a full range of business banking services to customers with an emphasis on business products.
• Targeted home based and mobile business people in emerging suburbs or in a satellite downtown office.
• Actively cross-sold additional business products such as loans and cash management products through referrals to partners.
• Outbound calling with the goal of acquiring 100% of the customers' financial services business.
• Developed and maintained relationships with Wells Fargo partners to maximize sales opportunities.
• Consistently met daily, monthly and quarterly production goals by acquiring new customer relationships and by deepening and enhancing existing customer relationships.
• Built strong relationships with key internal partners, including financial store manager, tellers, financial advisors, home mortgage bankers, and others to achieve mutual goals.
• Completed face-to-face appointments for customer needs and match appropriate products and services.
• Provided outstanding customer service by performing transactions with quality and efficiency, while recognizing opportunities to grow our customers' relationships by referring and selling products and services.